ANNUITY LICENSING AND APPOINTMENTS

ANNUITY LICENSING AND APPOINTMENTS Annuity Licensing and Appointment Documents FA3511-05 This packet contains the following: New Agent Checklist Form FA7060-01 Annuity Selling Agreement Form FA3507-05 ISSUED BY FORETHOUGHT LIFE INSURANCE COMPANY 2009 Forethought

NEW AGENT CHECKLIST We welcome you to! Checking each item will help to ensure that we have all the information necessary to process your appointment in an expedient manner. Recruiter Name Recruiter Agent ID Date Attached are the forms to appoint Print Agent s Name Signed and fully completed copy of Hierarchy Information Sheet Signed copy of Schedule of Commissions for Annuity Sales (unless an LO agent) Copy of Errors & Omissions Declaration Page Signed and fully completed copy of Annuity Selling Agreement/Agent Contract Copy of all applicable individual and agency licenses Copy of voided check for ACH deposits (if applicable) Written explanation and/or court documentation for any questions answered yes in the Agent Statement section Copy of Certification of Anti-Money Laundering Training if provider is other than LIMRA* PLEASE COMPLETE AND RETURN THIS PAGE WITH YOUR CONTRACT Mail To: Fax To: 800-668-5072 Annuity Licensing Email: annuity.contracting@forethought.com P.O. Box 296 Batesville, IN 47006 **Agents should not submit contracts directly to Forethought Marketing Organizations: New agents will show on the www.forethought.com reports once an agent number has been assigned. The agent will also receive a welcome packet in the mail containing their agent number once activated. * AML training is required for appointment. New agents can log into the LIMRA course at the following website address: https://aml.limra.com to complete the AML training in addition to Forethought s company specific training. FA7060-01 2009 Forethought

ANNUITY SELLING AGREEMENT This Agreement is entered into between Forethought Life Insurance Company, a corporation organized under the laws of the State of Indiana, having its principal office at 300 N. Meridian Street, Suite 1800, Indianapolis, Indiana 46204 (hereinafter referred to as Company, us, we, or our. ), and the Agency/Agent identified in the Appointment Data and Information section of this Agreement (hereinafter referred to as Agent, you or your ). This Agreement shall be effective upon its acceptance by Company at its administrative offices located in Batesville, Indiana. It is agreed by the parties as follows: APPOINTMENTS, AGENTS AND INDEPENDENT CONTRACTOR STATUS APPOINTMENT. Company appoints you as one of its Agents for the purpose of procuring, in person and through agents appointed by us or assigned to you by us, applications for individual and group annuity contracts (hereinafter referred to as annuity or annuities ) which will be issued by Company. For the purposes of this Agreement, the term application shall include enrollment of persons for individual or group annuities. You and your agents appointed by us may not begin solicitation of annuities until such time as we have issued a letter confirming the appointment(s). INDEPENDENT CONTRACTOR, TAXES AND OTHER OBLIGATIONS. You are an independent contractor and nothing contained in this Agreement shall be construed to create the relationship of employer and employee between you, or any other agent, and us. You shall be free to exercise independent judgment as to the persons from whom applications for annuities will be solicited and the time and place of such solicitations. You shall make and file all reports and returns required by any federal or state statute or regulation pertaining to withholding taxes, unemployment insurance, pension and profit sharing plans, and shall pay all taxes, contributions, interest, or penalties thereunder in connection with the wages, salaries, or other remuneration paid or allowed by you to employees or appointees of yours or to others. You assume full responsibility and exclusive liability for failure to comply with any such applicable statutes or regulations. As an independent contractor and not an employee of ours, all agency expenses, including but not limited to rentals, transportation, salaries, attorney or legal fees which pertain to the administration of your business, postage, advertising, agent licensing fees and/or agent occupational taxes, shall be your liability and not ours. APPOINTMENT OF AGENTS. Your subordinate agents (hereinafter referred to as agent or agents ) include: (a) agents assigned to you by us and (b) agents appointed by you and subject to the terms of this Agreement, provided you maintain a valid license and appointment as our agent in each state in which you appoint any such agents. Each agent whom you appoint must be validly licensed and execute a written agent s agreement directly with us, and such agreement shall be effective only when also executed by us. You have no authority to modify or amend any part of such agreement. We reserve the following rights at our discretion without liability to you: (a) to refuse to contract with any proposed agent and (b) to terminate our agreement with any of your agents under the terms of such agreement. NONEXCLUSIVE TERRITORY. You are authorized to do business under the conditions of this Agreement in any state in which we are authorized to do business and to issue the specific annuity you intend to sell provided you are properly licensed in such state to sell such annuity. No territory is exclusively assigned. We reserve the right to withdraw from all or any portion of any state(s) at our discretion without liability to you. RESPONSIBILITIES OF AGENCY/AGENT. You shall be responsible for the fidelity and honesty of all of your agents. All monies collected, received, or which otherwise come into your control or the control of your agents, which belong to us, our annuity or certificate owners (hereinafter referred to as a annuity owner or as annuity owners ) or applicants shall be securely held in a fiduciary capacity and shall not be used for any personal or other purposes whatsoever, but shall be immediately paid over to us. You guarantee the payment to us of all monies intended for or owing to us, our annuity owners, prospective annuity owners, or applicants that are collected, received, or otherwise come into your control or the control of your agents. RESTRICTED AUTHORITY OF AGENCY/AGENT. Your right, power, or authority on our behalf shall exist only as expressly stated in this Agreement. No right, power, or authority shall be implied either from the grant or denial of powers specifically mentioned herein or the failure to mention any right or power herein. You agree that you and your agents are without authority to do or perform and expressly agree not to do or perform the following acts on our behalf: (a) incur any indebtedness or liability; (b) make, alter, or discharge contracts; (c) waive forfeitures; (d) quote rates other than as quoted by us; (e) extend the time for payment of any premium; (f) waive payment in cash; (g) guarantee dividends; or (h) deliver any annuity more than ten days after issuance by us or fail to promptly return the delivery receipt to us. Further, you agree that you and your agents shall not: (i) violate the insurance laws of any state in which you may be soliciting applications for annuities; (j) withhold any of our, the annuity owner s, prospective annuity owner s or applicant s monies or property; (k) rebate or offer to rebate all or any part of a premium on our annuities; (l) induce or attempt to induce any of our annuity owners to discontinue payment of premiums or to relinquish any annuity; (m) induce or attempt to induce any of our agents to leave our service; (n) perpetrate any fraud against us, or annuity owners, prospective annuity owners or applicants; (o) fail to provide contract disclosure documents to annuity applicants as required by the Company or applicable state law; (p) fail to provide compensation disclosure to annuity applicants as required by state law; or (q) violate any Policies and Procedures of the Company. COMMISSIONS AND CHARGEBACKS COMMISSIONS. You shall be paid commissions on premiums paid to and received by us, in accordance with the Schedule of Commissions attached hereto and made a part hereof. We reserve the right, in our sole discretion, to amend the Schedule of Commissions at any time; provided, however, that any such change shall only be effective for commissions payable on applications dated after the effective date of such change. Commissions shall be paid hereunder only for so long as you or your agent are the agent of record. Commissions are subject to chargeback in accordance with the Schedule of Commissions. Your commissions shall be reduced by the amount of any commissions to which your agents are entitled whether or not we pay such commissions to the agents. Commissions shall be payable hereunder only in accordance with the Schedule of Commissions and shall not be allowed on premiums waived or commuted by reason of death, disability, or exercise of annuity options. Commissions that become payable shall be paid to you, your executors, administrators, or assigns; however, neither this Agreement nor any benefits to accrue hereunder may be assigned or transferred, either in whole or in part, without our written consent. In no event will you be entitled to receive commissions that revert to you from your terminated agents in excess of the amount such terminated agents would have received under the provisions of their agent agreements with us. SET-OFFS AND CHARGEBACKS AGAINST COMMISSIONS. You agree that we may, at any time, set-off against commissions due or to become due to you, or to anyone claiming through or under you, any amount due from you or your agents to us including any chargebacks. If not set-off, all such amounts shall be paid to us within 30 days of written request therefor. We do not waive any of our rights to pursue collection of any indebtedness owed by you or your agents to us. In the event we initiate legal action to collect any indebtedness of you or your FA3507-05 Page 1 of 6 2009 Forethought

agents, you shall reimburse us for reasonable attorney s fees and expenses in connection therewith. This provision shall remain in full force and effect regardless of any termination of this Agreement. STATEMENT OF ACCOUNT. We will furnish you a copy of your commission account weekly provided that transactions occur in your account during the previous week. Unless you notify us in writing within 30 days of the issue date of each statement of any differences between such statement and your account, you shall have waived the right to contest the accuracy, correctness, and basis of the statement. Such statement shall be competent and conclusive evidence of the status of your account. ADVERTISING AND ADMINISTRATION REPRESENTATION. You and your agents will not represent yourself as holding any professional or trade certification that implies expertise in financial matters relating specifically to persons 65 or older, including but not limited to certified senior advisor, until and unless you provide us with complete information regarding the nature of such certification and we approve in writing the use of such certification in connection with the sale of our product. RESERVATIONS. We reserve the following rights at our discretion without liability to you: (a) to change commissions on any annuity form or rider upon furnishing notice to you, but such change shall not affect applications received by us prior to such notice, (b) to withdraw any annuity forms; (c) to change our premium rates, (d) to reject annuity applications or premiums without specifying cause, and (e) to adopt policies and procedures from time to time relating to any matter not otherwise covered in this Agreement. ADVERTISING. You and your agents shall not use or authorize any advertisement, circular, news release or other communication using our name or our product names (whether written, oral, audio, or visual) without prior written approval by us. PERSONAL PROPERTY AND FUNDS. All application and annuity forms, related advertising and marketing materials, books, documents, vouchers, receipts, lists, notices, or other papers of any kind used by you in any transaction involving us and any other personal property furnished by us shall remain our property, shall be open to inspection by us at all times, and shall be returned to us at termination of this Agreement along with all uncollected premium receipts and undelivered annuities sent to you for delivery and collection. REIMBURSEMENT. You agree to pay directly or reimburse us for the following expenses: (a) all agent taxes, municipal license fees, and local and state taxes for the territory covered by this Agreement, (b) all charges provided in our policies and procedures, including charges for not taken annuities, for applications not completed, for annuities reissued for a reduced amount, or a change in dating or a change of plan, and (c) the premium for an indemnity bond in a satisfactory amount to secure your fidelity and faithful performance under this Agreement, if such bond is requested by us. MISCELLANEOUS LEGAL ACTION. You may not institute any administrative or legal proceedings on our behalf without our written approval. If any administrative or legal action is brought against you or us, or both jointly, by reason of any alleged act, fault, or failure by you in connection with your activities hereunder, we may require you to defend such action. If we bring any administrative or legal action, or both, by reason of an alleged act, fault, or failure by you in connection with your activities hereunder, we may require you to hire and pay an attorney, subject to our approval, who will represent us. However, at our option, we may defend or institute any such action and expend such sums, including attorney fees, as may in our judgment be necessary. INDEMNIFICATION. You hereby agree to, at all times hereafter, defend, indemnify and hold harmless the Company, its affiliates and their respective employees, officers, directors and shareholders from all claims, liability or loss which result from your real or alleged negligent or willful acts, or your errors, omissions or breach of any provision of this Agreement and such acts, errors, omissions or breaches of your servants, agents or employees, in the performance of duties under this Agreement. Claims, liability or loss includes, but is not limited to, all costs, expenses, attorney fees and other legal fees, penalties, fines, direct or consequential damages, assessments, verdicts (including punitive damages to the extent permissible under the law of the state where any claim or suit is filed which seeks recovery of punitive damages against us) and any other expense or expenditure incurred by us as a result of your performance, or the performance of your agent(s), under the terms of this Agreement. This indemnification will be in addition to any liability you may otherwise have. We hereby agree to, at all times hereafter, defend, indemnify and hold you and your employees, officers, directors and shareholders harmless from all claims, liability or loss which result from our real or alleged negligent or willful acts, or our errors, omissions or breach of any provision of this Agreement, and such acts, errors, omissions or breaches of our servants, agents or employees, in the performance of duties under this Agreement. Claims, liability or loss includes all costs, expenses, attorney fees and other legal fees, penalties, fines, direct or consequential damages, assessments, verdicts (including punitive damages to the extent permissible under the law of the state where any claim or suit is filed which seeks recovery of punitive damages against you) and any other expense or expenditure incurred by you as a result of our performance under the terms of this Agreement. We agree to provide you with annuities that to the best of our knowledge and belief meet all applicable minimum insurance code and regulatory compliance requirements. TERMINATION. This Agreement may be terminated without cause by either party upon at least 15 days prior written notice, or immediately, upon written notice, for cause. This Agreement shall terminate for cause in the event of your breach of any provision of this Agreement. Such termination shall not impair your right to receive commissions on annuities previously procured except if termination is because of your breach of any provision of this Agreement in which case commissions will not be paid after date of termination. Commissions payable hereunder after the termination of this Agreement shall be paid only so long as such commissions exceed $300 during any calendar year. After termination of this Agreement, all amounts owed to us hereunder are due and payable immediately without further notice or demand. COMPLAINTS AND INVESTIGATIONS. You shall cooperate fully in any insurance regulatory investigation or proceeding or judicial proceedings arising in connection with the annuities marketed under this Agreement. Without limiting the foregoing: (a) (b) (c) You will promptly notify the Company of any written customer complaint or notice of any regulatory investigation or proceeding or judicial proceeding received by you or your agent in connection with any annuity marketed under this Agreement or any activity in connection with any such annuity. In the case of a customer complaint, you will cooperate in investigating such complaint and any response by you to such complaint will be sent to the Company for approval not less than five (5) business days prior to its being sent to the customer or regulatory authority, except that if a more prompt response is required, the proposed response shall be communicated by telephone or facsimile. The provisions of this section shall remain in full force and effect regardless of any termination of this Agreement. CUSTOMER INFORMATION. You shall treat customer information as confidential as required by applicable law and by the Company, as described in the Company s privacy notices and in accordance with the Company policies and procedures. You shall also take reasonable and appropriate steps to establish and implement administrative, physical and technical procedures to ensure the confidentiality, security and integrity of customer information in accordance with FA3507-05 Page 2 of 6 2009 Forethought

applicable law. You agree to comply with the Company s terms of use, policies and procedures with respect to use of Company electronic systems and databases providing access to customer information by you, your employees, and agents and shall promptly report to the Company any breach of security related to such systems and databases of which you becomes aware. You may use customer information only for the purpose of fulfilling your obligations under this Agreement. You will limit access to customer information to your employees, agents and other parties who need to know such customer information to permit you to fulfill your obligations under this Agreement and who have agreed to treat such customer information in accordance with the terms of this Agreement. You shall not disclose or otherwise make accessible customer information to anyone other than to the individual to whom the information relates (or to his or her legally authorized representative) or to other persons pursuant to a valid authorization signed by the individual to whom the information relates (or by his or her legally authorized representative), except as required for you to fulfill your obligations under this Agreement, as otherwise directed by the Company, or as expressly required by applicable law. For purposes of this Agreement, customer information means information in electronic, paper or any other form that you or your agents obtained, had access to or created in connection with your obligations under this Agreement regarding individuals who applied for or purchased annuities. Customer information includes nonpublic personal information, and protected health information, as defined in applicable law. Customer information may also include, but is not limited to, information such as the individual s name, address, telephone number, social security number, as well as the fact that the individual has applied for, is insured under, or has purchased an annuity issued by the Company. Customer information does not, however, include information that is (1) generally available in the public domain and is derived or received from such public sources by you; (2) received, obtained, developed or created by you independently from the performance of your obligations under this Agreement; (3) disclosed to you by a third party, provided such disclosure was made to you without any violation of any independent obligation of confidentiality or applicable law of which you are aware. For purposes of this Agreement, applicable law means any state or federal law, rule or regulations including, but not limited to, state insurance law and regulations and the Gramm-Leach-Bliley Act and related federal regulations. ANTI-MONEY LAUNDERING PROGRAM. You agree that you will remain in compliance with all applicable anti-money laundering laws and regulations. You further agree to fully cooperate and assist the Company in implementing and carrying out its anti-money laundering program as applicable to your activities under this Agreement including providing requested customer information, following customer identification procedures, and cooperating with the required training of APPOINTMENT DATA AND INFORMATION agents and employees including providing any requested certification and information regarding such training. ENTIRE AGREEMENT AND CHOICE OF LAWS. Forbearance or negligence by us to insist upon compliance by you with any of the terms and provisions in this Agreement shall not be construed as or constitute a waiver thereof. This Agreement shall be interpreted in accordance with, and governed by, the laws of the State of Indiana.. Unless otherwise provided, all matters to be performed by us under this Agreement shall be performable at our office in Batesville, Indiana. Any amount due to either party under this Agreement shall be payable at our office in Batesville, Indiana. Any suit arising under this Agreement between you and us shall be instituted and tried in Ripley County, Indiana. This Agreement supersedes all prior agreements, either oral or written, between the parties relating to the subject matter hereof, and except for any amendment of the Schedule of Commissions pursuant to the terms of this Agreement, may not be modified in any way unless by written agreement signed by the parties to this Agreement. All agreements between you and us are contained in this Agreement, including the following exhibit which is attached hereto and made a part hereof: Schedule of Commissions. In the event that any provision or clause of this Agreement is determined to be invalid, illegal, or unenforceable in any respect, the validity, legality and enforceability of the remaining provisions contained herein shall not in any way be affected or impaired thereby. ASSIGNMENTS; RIGHTS AND REMEDIES ARE CUMULATIVE. Neither party to this Agreement may assign its rights or duties under this Agreement without the prior written consent of the other party. The rights, remedies and obligations contained in this Agreement are cumulative and are in addition to any and all rights, remedies and obligations, at law or in equity, which the parties hereto are entitled to under state and federal laws. NOTICES. Any notices required under the terms of this Agreement shall be sent, if to the Agent at the address set forth in the Appointment Data and Information section of said Agreement, and if to Company at: Forethought Financial Services Inc., One Forethought Center, Batesville, Indiana 47006, or at such other addresses as either party may from time to time designate to the other in writing. CONTACT INFORMATION. c/o Agent Contracting and Licensing P.O. Box 296 Batesville, Indiana 47006 Phone: 877-244-7526, Option 2 Fax: 800-668-5072 E-mail: annuity.contracting@forethought.com Please Print or Type Clearly 1 GENERAL INFORMATION Full Name (First, MI, Last) Female Male Social Security # (Individual) Firm Name (If Applicable ) Federal Tax ID # Date of Birth (Individual) Residence Street Address City State Zip Code Business Street Address City State Zip Code Mailing Address (If different from Business Street Address) City State Zip Code Residential Phone Cell Phone Business Phone Fax Number Email Address Beneficiary of Agent Relationship to Agent Social Security # (Beneficiary) FA3507-05 Page 3 of 6 2009 Forethought

2 COMMUNICATION PREFERENCES Preferred method of communication (Choose One) Cell Phone Business Phone Residence Phone Preferred method of receiving information (Choose One) Email Fax Mail 3 AGENT STATEMENTS (If you answer Yes to any question, please provide details on a separate sheet and attach) Have you ever plead no contest or been convicted of a crime, including felony, misdemeanor or military offense? Yes No Have you ever had a license refused/suspended/revoked or currently restricted or under investigation? Yes No Has an insurance carrier cancelled your contract or appointment for any reason other than lack of productivity? Yes No Do you have any knowledge of an indebtedness to an insurance carrier or financial organization that involves yourself or an organization you have been associated with, or do you have any unsatisfied liens or judgments? Yes No 4 FAIR CREDIT REPORTING ACT DISCLOSURE TO PROSPECTIVE AGENTS In compliance with the Fair Credit Reporting Act (FCRA) you are hereby notified that ( FLIC ) may obtain a consumer report, or investigative consumer report, including information as to your credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, mode of living, criminal records, and employment history. Such inquiry will be made upon FLIC s receipt of your completed Annuity Selling Agreement ( Agreement ). By signing this Agreement, you authorize FLIC to make these inquiries. You have the right to obtain a complete and accurate disclosure of the nature and scope of the investigation requested and a summary of your rights under the FCRA. Upon written request to FLIC within a reasonable time after our receipt of this document, such additional disclosure shall be made to you in writing. Please forward your request to: Attention: Agent Contracting and Licensing P.O. Box 296 Batesville, IN 47006 Or Fax To: 800-668-5072 For additional information concerning the FCRA, you can find the complete text of the FCRA, 15 U.S.C. 1681 et seq, at the Federal Trade Commission s web site (http:www.ftc.gov.) 5 AUTHORIZATION FOR AUTOMATIC DIRECT DEPOSIT (ACH CREDITS) I hereby authorize to initiate automatic credit entries, and the financial institution named below to credit the same to such account. I acknowledge that the origination of ACH transactions to my account must comply with the provisions of U.S. law. This authority is to remain in full force and effect until has received written notification from me of its termination, allowing enough time to act on it. Account Name (print): Account Type: Checking Account Savings Account PLEASE ATTACH YOUR VOIDED CHECK OR SAVINGS DEPOSIT SLIP HERE OR COMPLETE THE FINANCIAL INSTITUTION (BANK) INFORMATION BELOW: Bank Name: Bank Telephone: ( ) Bank Address: City, State, Zip: Account Number: Bank Transit/ Routing Number: FA3507-05 Page 4 of 6 2009 Forethought

ACKNOWLEDGEMENTS AND SIGNATURE 6 WRITING AGENT CERTIFICATION ACKNOWLEDGEMENTS I acknowledge that I must complete the Forethought University Certified Agent Program for annuities within 45 days of my first Forethought annuity sale to remain in good standing with Forethought. I have completed Anti-Money Laundering (AML) training online via LIMRA. OR I have completed Anti-Money Laundering (AML) training via another insurance company or a third party provider subject to the requirements of the USA PATRIOT Act. I have provided suitable proof of the alternate training. The training included, at a minimum: (a) how to identify red flags and signs of money laundering; (b) what roles producers have in AML compliance; (c) what to do once a red flag or suspicious activity is detected; and (d) the disciplinary consequences for non-compliance with the Act. In addition, I have read the Forethought Anti-Money Laundering Guidelines for Producers. AML Training Program Provider Training Date I acknowledge that in addition to a base AML course from LIMRA or another approved training program provider, I must complete a refresher course every 2 years. 7 INDEXED ANNUITIES AGENT ACKNOWLEDGEMENTS I acknowledge that I have read the Forethought Destination Indexed Annuity SM Disclosure Statements and the Buyer s Guide to Fixed Deferred Annuities with Appendix for Equity-Indexed Annuities. I understand the features and mechanics of these annuity products and I will not make statements that differ from those made in the Disclosure Statements. Furthermore, I acknowledge that I understand the following: 8 TAXPAYER ACKNOWLEDGEMENTS Indexing is a method and formula for calculating interest, and may include such concepts and terms as participation rate, index cap, index spread, monthly averaging, point-to-point, and index averaging period. The Forethought Destination Indexed Annuity is not a registered security or stock market investment and does not directly participate in any stock or equity investment. While the interest credited to these annuities is calculated by a formula linked in part to the Standard & Poor s 500 Index, the annuity performance will not match the performance of that Index. The actual interest credited may be zero percent, although there are minimum guaranteed values, which may be subject to withdrawal charges and interest adjustments. The final decision regarding the premium allocation between the fixed account strategy and indexed account strategies of an annuity product is the annuity owner s, based on their individual situation, needs and goals, and that I may not act as a registered investment adviser. No representation, prediction, or guarantee of future interest performance may be made at any time, and past performance is never an indication of future performance. The products are intended for retirement funding or other long-term accumulation needs with substantial contractimposed penalties. As such, they may not be appropriate for all consumers.. I will provide a copy of the Disclosure Statement and Buyer s Guide to all annuity applicants. Under penalties of perjury, I certify that: 1. The number shown on this form is my correct Taxpayer Identification Number; and, 2. I am not subject to backup withholding either because: (a) I am exempt from backup withholding; (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends; or (c) the IRS has notified me that I am no longer subject to backup withholding. 3. I am a U.S. citizen (including resident alien). Certification Instructions You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding you have failed to report all interest and dividends on your tax return. FA3507-05 Page 5 of 6 2009 Forethought